On January 1, 2026, all funds in BGN-denominated accounts (current, deposit, savings, fundraising, liquidation, etc.) in the Bank will be automatically converted to euros at the official exchange rate (BGN 1.95583 to EUR 1). No currency conversion fees will be charged to customers.

In accordance with the principle of continuity, the introduction of the euro will not affect the validity and effect of existing agreements with customers that contain references to the lev, and no signing of new agreements will be required. After the currency conversion, customers will be able to continue their usual transactions on their accounts.

• All accounts will retain their International Bank Account Number (IBAN), with accounts in BGN becoming accounts in EUR.

Accounts in currencies other than BGN, including accounts in EUR, will not be subject to currency conversion and on January 1, 2026 all currencies and balances on them will remain unchanged. After conversion, there will be EUR accounts and foreign currency accounts.

During the first two months of 2026, customers who as of January 1, 2026 have had current accounts, including payment accounts for basic transactions (free from liens, garnishments or other legal restrictions) with the Bank both in EUR and in BGN, may request one of these accounts to be closed and its balance transferred to another account kept in their name at the Bank. No fees or commissions will be charged for such a transfer, and the terms and conditions of the account receiving the funds will remain unchanged. In case the account that is closed has outstanding obligations or a payment card issued to it, customers should first repay such obligations, respectively cancel the card, before closure.

• From January 1, 2026, the funds on the accounts of one person in one bank, regardless of the number and size of accounts, are guaranteed by the Bank Deposit Guarantee Fund up to 100,000 euros.